The Summit Federal Credit Union

Reaching Your Financial Goals is Easier When You're a Summit Member

We offer a wide variety of Savings and Checking options to help you meet your financial goals. Just choose the savings program that's right for you, then call us at (585) 453-7030 or (800) 836-SFCU extension 7030, or stop by your nearest branch to open your account.

Savings Accounts: 
Primary Savings
Holiday, Vacation and Other Club Accounts
Higher Yield Programs
Extra Conveniences

We offer three different checking accounts for you to select from. Our knowledgeable representatives can help you choose the checking account that's right for you.

Checking Accounts:
Basic Checking
Enhanced Checking
Premium Checking
Extra Conveniences 


Primary Savings

• The key to your financial relationship at The Summit. Once you've opened this account, you'll instantly have full access to all of the advantages and benefits that membership provides.
• Open your account with a low $5 minimum opening deposit.
• Earn competitive dividends on balances of $100 or more.

Holiday, Vacation, and Other Club Savings Accounts

• A great way to save for holiday gifts, a special vacation or "any purpose"
• Make regular deposits through direct deposit or in person at any branch
• Earn competitive dividends to help reach your goals faster.
• Enjoy full access to your money any time you need it.

Extra conveniences to enhance your account

• Summit Online Access and Online Bill Payment: You can have access to your accounts around the clock right from your computer by clicking on Summit Online Access. Then, use our handy Online Bill Payment option to manage recurring or one-at-a-time payments - right from your home or office computer. Click here to learn more about this convenient online service or go to Summit Online Access (login prompt) to get started right away.
• Quik Tran, 24 hour Teller-by-Phone Service: Quik Tran provides 24-hour account access right over the phone.
• Automated Teller Machines (ATMs): Make withdrawals, transfers, and balance inquiries with your Summit VISA Check Card or ATM card at any Summit, Wegmans Electronic Teller, SUM^SM, PLUS^®, or any CO-OP Network^® ATM.
• Credit Union Service Centers: You can conduct your credit union transactions at any participating Credit Union Service Center location locally, regionally, and nationally - all with no fees.
• Direct Deposit: Have your payroll or government check automatically deposited into your Summit account. You'll save time, and your money will be there‚ even when you can't come in to cash your check. It's easy to transfer your Direct Deposit to The Summit. Download a Summit Simple SwitchKit (which includes Payroll/ Direct Deposit forms) today.
• Overdraft Protection/ Line of Credit: Give yourself extra peace of mind and guard against accidental overdrafts with an Overdraft Protection/Line of Credit (subject to approval).
  
• Courtesy Pay: Have you written a check or made a transaction and weren't sure about available funds? Relax, we've got you covered. You'll experience additional peace of mind thanks to our Courtesy Pay feature:
  • Automatically covers check or ACH overdrafts up to $300 (subject to approval and fees¹)
  • No application or registration needed for this valuable service
  • Have questions? Check out our Courtesy Pay Q&A

Basic Checking²
Save on checking services each month with:

• No minimum balance requirement³
• No monthly service charge³
• No per check processing charge

Enhanced Checking
Enjoy both savings and extra convenience with:

• No minimum balance requirement³
• No monthly service charge³
• No per check processing charge
• Convenient ATM access⁴

Premium Checking
Get savings, convenience and dividends with:

• Dividends and no monthly service charge if you have a daily balance of $1,000 throughout the month⁵
• No per check processing charge
• Convenient ATM access⁴

 Through our partnership with BALANCE, our members have access to a free and confidential Checking Account Management Program. This is a great resource if this is your first checking account, or if you are having problems keeping your account in balance. The self guided study covers topics from checking account fundamentals and overdraft protection to reconciling your checkbook. Click here to learn more.

Send me a brochure

1. Courtesy Pay is subject to approval and fees. See your Membership and Account Agreement for details. You can request a copy by calling (585) 453-7030 or make a request now via email
2. ATM cards are not issued with this account. Consequently, ATM access is not available with basic checking.
3. For more information, see The Summit's Rate and Fee Schedule, which is available online or by request by calling (585) 453-7030.
4. There is no charge for transactions conducted at POS terminals, Summit-owned ATMs, or at merchant locations using the Check Card. A nominal fee will be charged for each additional foreign ATM transaction (non-Summit owned ATMs) which exceeds the free transactions associated with your Relationship Account Level, based upon the posting date of your transactions. For a full complete listing of surcharge-free ATMs nationwide. Visit the ATM section of this website.
5. If the average daily balance falls below $1,000 in any month, a fee will be applied to the account for that month. Applicable fees are listed on The Summits current Rate and Fee Schedule.

Your savings federally insured to at least $250,000 and
backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency